| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 0.70% |
| ELIZABETH GRELLNER3 | 101 SOUTH HANLEY ROAD, SUITE 900 SAINT LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147K | $0 | $147K | 13.79% |
| HAYS COMPANIES, INC.3 | 655 NORTH FRANKLIN STREET SUITE 900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | $0 | $65K | 6.07% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 14,988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,194 | $556K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 9,729 | $652K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 14,988 | $2.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,988 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,988 | $2.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 22,721 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,721 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.